It is possible to save $100s on medical payments coverage through various insurance company policies available to you. What is medical payments auto insurance and what does it cover? Medical payments coverage is an optional coverage element of auto insurance policies. Unlike liability insurance coverage, medical payments coverage is not required in any U.S. state. 

Medical payments coverage is also referred to as medical expense coverage or MedPay. Medical payments coverage is also not available in every U.S. state. To find out if medical payments coverage is available to you contact your auto insurance provider.

Medical payments coverage insurance helps pay for the medical expenses of your passengers who were injured in an accident under qualified conditions. This is true regardless of who was at fault or caused the accident and related injuries. 

Medical payments coverage also helps pay for your accident-related injuries under qualified conditions. What else do medical payments coverage insurances help you pay for? Medical payments coverage potentially helps pay for the costs of accident-related:

• Deductibles and copays from your health insurance.
• Deductibles and copays from your passenger’s health insurance.
• Initial and follow-up visits to doctors and hospitals. 
• Ambulance fees.
• EMT fees.
• Surgeries.
• Imaging including X-rays, CT scans and MRIs.
• Nursing services.
• Some home-based medical care services.

How does medical payments auto insurance coverage help you save $100s of dollars? This type of insurance coverage is relatively affordable. Premiums are generally low and adding this optional coverage to an insurance policy bundle might help lower your overall annual premiums.

The primary way medical payments auto insurance coverage helps save you money is by covering otherwise unaffordable medical expenses you would otherwise have to pay out of pocket. Your health insurance might not cover certain treatments, surgeries, ambulance transportation costs or other medical expenses related to your accident. If the accident was not your fault and the other driver was uninsured you might be stuck paying the medical bills yourself. 

This is especially true if you do not have uninsured and/or underinsured motorists coverage as part of your overall policy. Medical payments coverage insurance protects you from paying exorbitantly high medical bills out-of-pocket, therefore saving you $100s to $1,000s of dollars. MedPay also does not have a deductible, which also helps save you $100s or more.